Advice for a new iMac (21')

I am new in this forum and I need help for the configuration of the iMac 21' I plan to buy, it will be my first Mac.

I have a limited budget, so I can not upgrade everything, just one thing among these:

- Graphics Card (GeForce GT 750M NVIDIA)

- 16 GB RAM

- Fusion Drive

I need the iMac primarily for programming (iOS, Android, Java, Web, Python). In fact, I want a Mac for iOS development (I don't want to deal with Hackintosh) and for better support to Android development (not installing drivers, etc).

Nevertheless, I would like to use the iMac occassionally for gaming. I don't care to play with medium graphical settings; in addition, I usually play strategy games (Sim City, Civilization), and rarely some demanding game, like flight simulators.

Taking into account my needs, I am more inclined to the graphics card. I don't trust very much in Iris Pro, most reviews I have read rate it bad.

Fusion Drive disks are impressive, you save a lot of time loading programs and trasfering files, but you can do the same with an HDD disk indeed, but slower. Am I wrong?

The RAM is my main worry, since it's not upgradeable in 21'. Will be 8GB enough for five years, at least? I am not going to edit large image or video files so, are 16 GB really neccesary for me?

There is a fourth option, indeed: wait for late 2014 iMac upgrade (October ?), what is not very clear. I want de iMac ASAP, but I could wait if the upgrade really worth it.

What is your opinion? I know that is hard to opine, given my particular needs.

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